920 Monterey Dr, O Fallon, IL 62269 Property Records

St. Clair County property record for 920 Monterey Dr, O Fallon, IL 62269

Property Summary

Property Type	Single Family Home
Details	5 ba · 1,252 sqft · built 1981
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Feb 2020)
Tax Bill	$6,841 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Feb 2020 Sale & Mortgage + 3 more
APN	`04-32-0-201-041`

Property Details

APN / Parcel Number

Primary APN	`04-32-0-201-041`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	1,252 sqft Living Area
Basement Area	1,952 sqft
Finished Basement	700 sqft
Unfinished Basement	552 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1990
Exterior Material	Combination
Construction Type	Frame
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Mixed
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	264 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	920 MONTEREY DR
City	O FALLON
State	IL
Zip	62269-2833
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAK TREE ESTATES 2NDADDITION LOT/SEC-41 A02641836
Legal Subdivision	OAK TREE ESTATES
Legal Block	201
Legal Lot Number	41
Jurisdiction	ST CLAIR IL
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1006
Census Tract	504352

Owner

Source: St. Clair County records, as of September 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	920 MONTEREY DR, O FALLON, IL 62269-2833
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2020	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE
Feb 10, 2020	Grant Deed, Transfer · VA Mortgage GUARANTEED RATE
Feb 7, 2020	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE
Dec 11, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
May 15, 2018	Warranty Deed, Transfer FRONTIER MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2020 · Amount on Record
Deed Sale	Feb 10, 2020 · Amount on Record
Prior Sale	May 15, 2018 · Amount on Record
Deed Document Number	20202641836
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	920 MONTEREY DR, O FALLON, IL 62269-2833
Document Number	00A2680141
Instrument Date	Dec 11, 2020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BENCHMARK TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	920 MONTEREY DR O FALLON IL 622692833, O FALLON, IL 62269-2833

Mortgage

Document Number	00A2680141
Date	Dec 17, 2020
Instrument	2680141

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 16, 2050

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CLAIR IL
Recording Date	Feb 10, 2020
Property Address	920 MONTEREY DR, O FALLON, IL 62269-2833
Document Number	00A2641836
Instrument Date	Feb 7, 2020
Instrument	2641836
Transaction Type	Transfer
Record Updated	Mar 3, 2020
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	920 MONTEREY DR O FALLON IL 622692833, O FALLON, IL 62269-2833

Mortgage

Document Number	A2641837
Date	Feb 10, 2020
Instrument	2641837

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	920 MONTEREY DR, O FALLON, IL 62269-2833
Document Number	00A2641837
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	Feb 24, 2020
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	920 MONTEREY DR O FALLON IL 622692833, O FALLON, IL 62269-2833

Mortgage

Document Number	00A2641837
Date	Feb 10, 2020
Instrument	2641837

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CLAIR IL
Property Address	920 MONTEREY DR, O FALLON, IL 62269-2833
Document Number	00A2636879
Instrument Date	Dec 11, 2019
Transaction Type	Mortgage
Record Updated	Jan 6, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	920 MONTEREY DR O FALLON IL 622692833, O FALLON, IL 62269-2833

Mortgage

Document Number	00A2636879
Date	Dec 20, 2019
Instrument	2636879

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CLAIR IL
Recording Date	May 15, 2018
Property Address	920 MONTEREY DR, O FALLON, IL 62269-2833
Document Number	00A2576192
Instrument Date	May 14, 2018
Instrument	2576192
Transaction Type	Transfer
Record Updated	Jun 1, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$266.25
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	920 MONTEREY DR O FALLON IL 622692833, O FALLON, IL 62269-2833

Mortgage

Document Number	A2576194
Date	May 15, 2018
Instrument	2576194

Lender

Name	FRONTIER MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 14, 2048

Interest

Rate Type	Fixed Rate
Rate	4.37%

Tax Assessment & Valuation

Source: St. Clair County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	St. Clair County
County Subdivision	O'Fallon Township
Municipality	O'Fallon City
Elementary School District	O'Fallon Community Consolidated School District 90 (PK - 08)
Secondary School District	O'Fallon Township High School District 203 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,841.00	$105,906 (+34.34%) Land $11,991 Building $93,915	$317,718 (+34.34%) Land $35,973 Building $281,745
2022		$78,834 Land $8,926 Building $69,908	$236,502 Land $26,778 Building $209,724

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	O FALLON serves 46,603 people · EPA ID IL1631100
Water Source	Purchased surface water from IL AMERICAN-EAST ST LOUIS
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T DSL	100 / 20

May also be available: ClearWave.

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